ZIP 97364 Property Distress & Foreclosure Data

DLRadar grades ZIP 97364 (Lincoln County, Oregon) at a moderate 31/100 for overall property distress. Property-level stress concentrates in construction/permit lag (77/100), structural risk (69/100), institutional ownership (41/100). mortgage stress (20/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (70/100). The latent-versus-live split is 69/100 structural and 6/100 already moving.

Prices here sit in a peak phase: values rose 2.0% over the trailing year, and 36% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $60,446 — below the roughly $78,000 national figure. Around 26% of renters are cost-burdened. The tenure split is 58% owner-occupied to 42% rented. About 7% have a four-year degree. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 333 housing units. On demographic stress specifically, 97364 scores 47/100. 637 residents call 97364 home, typically aged 39. The vacancy rate is 32.3% — elevated. A median home runs $530,300 here, or 8.0 times local income.

Taken together, 97364 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.